Dodge Journey Insurance Rates

U.S. average insurance rates for a Dodge Journey are $1,284 a year for full coverage. Comprehensive costs an estimated $250, collision costs $424, and liability is $452. Buying just liability costs around $504 a year, with insurance for high-risk drivers costing around $2,778. Teenage drivers pay the highest rates at $4,918 a year or more.

Average premium for full coverage: $1,284

Price estimates broken down by individual coverage:

Rates are based on $500 comprehensive and collision deductibles, minimum liability limits, and includes uninsured motorist and medical coverage. Estimates are averaged for all states and for all Journey models.

Price Range from Low to High

Geographic Price Range

Choosing to live in a large city can make a big difference on insurance rates. More rural locations have lower incidents of accident claims than densely populated cities.

The example below illustrates how rural and urban location affects insurance prices.

The ranges above show why everyone should compare rates quotes for a targeted area, instead of making a decision based on average rates.

Use the form below to get customized rates for your location.

Additional Rate Information

The chart below shows estimated Dodge Journey insurance rates for other coverage scenarios.

• The best discount rate is $748
• Raising to $1,000 deductibles will save approximately $152 a year
• The estimated price for the average middle-age driver who has $500 deductibles is $1,284
• Using pricier low deductibles bumps up the cost to $1,580
• Drivers who are prone to accidents and violations could pay up to $2,778 or more
• The price that insures a 16-year-old driver for full coverage can cost as much as $4,918

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Insurance prices for a Dodge Journey are also quite variable based on the model of your Journey, how you drive, and liability limits and deductibles.

If you have some driving violations or you caused an accident, you could be paying $1,500 to $2,100 additional each year, depending on your age. Dodge Journey insurance for high-risk drivers is expensive and can cost from 43% to 130% more than a normal policy. View High Risk Driver Rates

A more mature driver with no violations or accidents and higher comprehensive and collision deductibles may pay as low as $1,200 every 12 months on average for full coverage. Prices are much higher for teenage drivers, since even teens with perfect driving records should be prepared to pay at least $4,900 a year. View Rates by Age

The state you live in also has a big influence on Dodge Journey insurance prices. A middle-age driver might find prices as low as $850 a year in states like Iowa, Maine, and Idaho, or be forced to pay as much as $1,830 on average in New York, Louisiana, and Michigan.

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Using high physical damage deductibles can reduce prices by up to $450 annually, whereas buying more liability protection will increase premiums. Going from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $407 more each year. View Rates by Deductible or Liability Limit

Since prices can be so different, the only way to know which car insurance is cheapest is to regularly compare prices from multiple companies. Every auto insurance company uses a different method to calculate prices, and prices may be quite different.

Insurance Rates by Trim Level and Model Year

Rates assume 2020 model year, a 40-year-old male driver with no accidents or violations, $500 comprehensive and collision deductibles, minimum liability limits, and uninsured/under-insured motorist coverage included. Rates are for comparison only and are averaged for all 50 U.S. states.

How to Find the Best Cheap Dodge Journey Insurance

Getting lower rates on insurance for a Dodge Journey consists of having a decent driving record, having a good credit score, eliminating unnecessary coverage, and maximizing policy discounts. Compare prices every couple of years by requesting quotes from direct carriers, and also from your local independent and exclusive agents.

The following items are a quick review of the material that was raised in the charts and tables above.

• Insureds who want additional liability coverage will pay an extra $500 each year to raise from a low limit to the 250/500 level
• 16 to 18-year-old drivers are expensive to insure, with premiums as much as $410 a month if comprehensive and collision insurance is included
• Drivers considered higher risk with a DUI or reckless driving violation may pay on average $1,490 more annually than a driver with a clean driving record
• Increasing physical damage deductibles can save approximately $450 each year